Jonvolca Man

Review of Credit Foundation of America

Pros: They will help reduce your monthly payments ...

Pros: They will help reduce your monthly payments and their monthly service fee is only $40 a month. They will make the payments for you each month after you setup a monthly draft to them. Interest is also reduced and your credit does not get affected.
Cons: The lower monthly payments mean longer term to payoff which also means more profit for each creditor than the original interest would had provided. I went from a 3 year debt period to a 5 yr with ACF. This means they profit $2500 and each creditor makes a few extra hundred dollars.
So yes your monthly pmts decrease a little. But the amount to payoff is way higher and for longer term in the long run.
Caution: They will show you a balance total one month and then later tell you it was a higher balance to make it look as if more was paid off in your account.